First Home Buyers

Mortgage Advisory

Step into your first home with total clarity.

Demystifying the property market and securing your foot on the ladder with expert structuring.

Navigating your first purchase.

Buying your first home should be an exciting milestone, not a stressful ordeal. We partner with you to calculate your true borrowing power, optimize your deposit, and secure pre-approval so you can shop with confidence.

How we support you:

  • Deposit Strategy:

    Maximizing KiwiSaver withdrawals and First Home Grants.

  • Pre-approval:

    Getting you bank-ready to act fast when you find the right property.

  • Loan Structuring:

    Splitting fixed and floating rates to match your lifestyle.

First Home Keys
Upfront clarity

Key numbers we model before you make an offer.

Average deposit unlocked $65k

Combining KiwiSaver withdrawals, First Home Grants, and gifted funds so you know exactly how much equity is available.

Servicing buffer +1.5%

We stress-test repayments above current interest rates to make sure the structure remains affordable as the market shifts.

Bank turnaround 4-7 days

Typical timeframe to secure pre-approval once documentation is ready - managed end-to-end by our team.

Acquisition pathway

A clear sequence from intent to settlement.

1. Borrowing blueprint

We capture your income, liabilities, and deposit details to calculate the most competitive banks and maximum lending.

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2. Pre-approval sprint

Document gathering, KiwiSaver letters, and LIM/report guidance so your application lands on an assessor's desk complete.

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3. Offer day coaching

We pressure-test the contract conditions, auction strategy, and price limits before you bid or submit a tender.

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4. Settlement support

Coordination with solicitors, insurance placement, and final drawdowns so keys exchange without last-minute surprises.

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Questions we answer daily

First-home FAQs.

Yes - banks have specific allowance for first-home buyers under Kāinga Ora or as part of their internal high-LVR quota. We pair you with lenders actively approving <15% deposit loans.

We know which banks average bonus income over 6-24 months and which need employer letters. Presenting the story correctly can materially lift your servicing amount.

Most approvals last 60-90 days. We diarise refresh dates and update the bank if your circumstances change so you never lose buying momentum.

Let's unlock your borrowing power.

Book a Consultation